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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,204 | $106,864-46.5% | $147,318-61.2% | $82,637-30.8% |
| Participation rate | 96.6% | 75.5%+21.0pp | 82.1%+14.5pp | 68.1%+28.5pp |
| Annual return | 19.59% | 27.49%-7.9pp | 70.43%-50.8pp | 53.51%-33.9pp |
| Employer contribution / active EE | $6,563 | $3,417+92.1% | $4,593+42.9% | $2,552+157.2% |
| Participant deferral / active EE | $8,865 | $6,496+36.5% | $7,906+12.1% | $4,126+114.9% |
| Admin fee / account holder | $3,531 | $8,415-58.0% | $13,708-74.2% | $7,339-51.9% |